Latest Home Insurance News

Looking for a new way to spread the cost of your home contents and buildings insurance? Pay As You Go home insurance , a new and unique product for Fair Investment Company, could be a useful way to ...
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Homeowners such as John Bowden, of West Huntspill, Somerset, have been left staggered by the hike in their home contents insurance premiums this year – which insurers say is due to his propert...
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New research from price comparison site Gocompare.com suggests that a surprisingly high number of people - 1 in 5 householders - have lied or omitted information on their home insurance application....
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Why You Need Flood Insurance: If you live in an area that has flooded or has been designated at flood risk by the Environment Agency, then you will need specialist Flood Insurance to make sure you are paying a realistic price and have the right level of cover. Click here for more info »

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Is Legal and General home insurance right for you?

Legal & General home insurance provides comprehensive cover for your home and/or possessions depending on your personal requirements. Legal & General offer a range of policy options so you can build a home insurance plan that suits you, including buildings insurance, contents insurance and joint buildings and contents insurance.

Policy-holders can take advantage of the following:

The choice to pay monthly or annually

UK-based call centres

A 24-hour legal and domestic helpline

An online payment portal for fast, easy policy renewals

Choosing a Legal & General home insurance policy

Legal & General understands that not everyone wants the same thing from their home insurance policy. That’s why they offer two levels of cover: Essential and Extra. This allows you to choose a policy that protects everything you need at an affordable price. You can also choose from several additional cover options to help build a truly comprehensive insurance policy.

Essentials Home Insurance

Legal and General Home Insurance Essentials allows you to cover the basics on a budget. This policy covers you against all the important essentials, like fire, flood and theft. Your contents and buildings are covered up to an amount based on the information you provide.

Features of Essentials Cover

Cover for theft of personal money in the home up to £100

Replacement locks if keys are stolen up to £500

Theft from outbuildings is covered up to £1,000

24 hour emergency helpline

Extra Home Insurance

Extra provides you with more comprehensive cover against a wider range of risks than Legal and General's Essentials policy. Your contents and buildings are covered up to a certain amount based on the details you provide.

Features of Extra Cover

24 hour call out for home emergencies

Cover for extended accidental damage (includes mishaps such as banging a nail through a pipe [buildings cover] or spilling red wine on your carpet [contents cover])

What is an excess?

Legal and General require you to pay an excess when claiming on your policy. This is a fixed fee you must pay every time you make a claim. There are two types of excess you need to be aware of: compulsory and voluntary.

A compulsory excess is set by your policy-provider, whereas a voluntary excess is set by you. The benefit of choosing a higher voluntary excess is that you will pay lower monthly premiums and generally have fewer restrictions when making a claim. However, this will make it more expensive if you do need to make a claim.